# How is health insurance calculated?

**Sommaire de notre article**

- How is health insurance calculated?
- What is the maximum amount of daily sickness benefit in 2021?
- How to calculate the IJSS illness 2022?
- How to calculate your salary in the event of sick leave?
- What is the maximum amount of daily allowances?
- How to be paid 100 in sick leave?
- How is subrogation calculated?
- Who supplements the salary in the event of sick leave?

### How is health insurance calculated?

**Calculation** daily allowance **disease** The daily allowance paid during a work stoppage for **disease is** equal to 50% of the “basic daily salary”. The basic daily salary **is calculated** based on the average gross wages for the 3 months preceding the work stoppage.

### What is the maximum amount of daily sickness benefit in 2021?

205,84 € ” The **amount** of yours **daily allowances** evolves over time. During the first 28 days following the cessation of your work: the**daily allowance is** equal to 60% of your salary **daily** basic, with a **maximum amount** capped at €205.84 on January 1 **2021**.

### How to calculate the IJSS illness 2022?

**For an employee receiving a gross monthly salary of €2,000 who is off work for disease :**

**calculation**the basic daily salary (SJB) = €65.75 (corresponds to the average salary received over the last 3 months divided by 91.25 days, i.e. 2,000*3/91.25);- maximum amount of the IJ in
**2022**: €48.69;

### How to calculate your salary in the event of sick leave?

Example: for a **salary** €1,700 per month for the 3 months preceding the**stop** of **work**. The employee receives daily allowances set at €27.95 per day (i.e. 1,700 x 3 / 91.25 = 55.89, then 55.89 x 50% = 27.95).

### What is the maximum amount of daily allowances?

The **IJ** cannot exceed €48.69 gross. Your salary taken into account to calculate your gain **daily** basic, **is** capped at 1.8 times the **amount** of the Smic in force, on the last day of the month **who** precedes the shutdown (i.e. €2,962.05 per month in 2022).

### How to be paid 100 in sick leave?

**To qualify, you must:**

- Justify at least one year of seniority on the 1st day of absence,
- Have sent your employer the medical certificate within 48 hours,
- Collect the Social Security IJ,
- Receive treatment in France or in one of the member states of the European Economic Area (EEA),

### How is subrogation calculated?

The idea is that you have to **calculate** the usual net salary, and apply an adjustment (the guarantee on net) so that: Net salary + net IJSS = net salary that the employee would have received if he had worked.

### Who supplements the salary in the event of sick leave?

It’s social security **who** supports an employee **sick leave**. These indemnities, called daily indemnities, are financed thanks to the contributions made to the insurance **disease**levied on the **wages** and paid by the employer and the employee.